Monroe County property record for 328 William St, Key West, FL 33040
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,427 sqft · built 1930 |
| Lot Size | 0.084 acres (3,644 sqft) |
| Owner | Trust Name on File |
| Last Sale | $922,000 (Jun 2004) |
| Tax Bill | $4,716 (2024) |
| Deeds & Mortgages | Dec 2020 Reverse Mortgage Mar 2019 Mortgage |
| Flood Zone | Zone X (moderate risk) |
| APN | 00003390-000000 |
| Primary APN | 00003390-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 1,427 sqft Living Area |
| 1st Floor Area | 1,427 sqft |
| Flooring | Wood |
| Interior Walls | Wood |
| Year Built | Built 1930 |
|---|---|
| Effective Year Built | Effective 2010 |
| Exterior Material | Combination |
| Construction Type | Concrete Block |
| Roof Type | Flat |
| Roof Material | Metal |
| Lot Area | 3,644 sqft (0.084 acres) |
| Lot Dimensions | 93 ft deep x 39 ft wide |
| Garage Type | Covered |
| Garage Area | 198 sqft |
| Pool Area | 285 sqft |
|---|---|
| Porch | Unfinished Open Porch |
| Porch Area | 844 sqft |
| Patio Area | 235 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 1003522 |
|---|---|
| Street Address | 328 WILLIAM ST |
| City | KEY WEST |
| State | FL |
| Zip | 33040-6846 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | HMDR |
| Legal Description | KW PT LOT 1 SQR 22 OR245-44/45 OR406-870 OR776-1240/41 OR981-1408/09 OR1942-877/78 OR2020-1141/42 OR2671-1979 OR2818-1985/87 |
| Legal Range | 25E |
| Legal Township | 68S |
| Legal Section | 06 |
| Legal Subdivision | KEY WEST SQUARE 22 |
| Legal Lot Number | 1 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | KEY WEST |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 972500 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Key West Historic District listed 1971 · 189 contributing resources · NRIS 71000245 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
328 William St is owner-occupied and held in a trust since September 2016.
Source: Monroe County records, as of December 8, 2025
| Owner of Record | Trust Name on File |
|---|---|
| Mailing Address | 328 WILLIAM ST, KEY WEST, FL 33040-6846 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Living Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Dec 18, 2020 | Deed of Trust, Mortgage · Reverse Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP |
| Mar 23, 2019 | Deed of Trust, Mortgage FINANCE OF AMERICA REVERSE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 30, 2004 · Amount on File |
| Deed Sale | Jun 30, 2004 · Amount on File |
| Prior Sale | Jul 1, 1986 · Amount on File |
| Deed Document Number | 20041454036 |
| Deed Book / Page | 2020 / 1141 |
| Last Transfer Date | Sep 9, 2016 |
| Transfer Doc | 0028181985 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 328 WILLIAM ST, KEY WEST, FL 33040-6846 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|---|
| Address | 328 WILLIAM ST, KEY WEST, FL 33040-6846 |
| Document Number | 0030632112 |
|---|---|
| Date | Dec 18, 2020 |
| Book Page | 3063/2112 |
| Instrument | 2295771 |
| Name | FAIRWAY INDEPENDENT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | CARROLLTON, TX 75007 |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 831 Months |
| Due | Mar 8, 2090 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 328 WILLIAM ST, KEY WEST, FL 33040-6846 |
| Document Number | 0029570707 |
| Instrument Date | Mar 23, 2019 |
| Transaction Type | Mortgage |
| Record Updated | May 31, 2019 |
| Title Company | FNC TITLE SERVICES, FNC TITLE SVCS |
| Name | Verified Name |
|---|---|
| Relationship | Living Trust |
| Address | 328 WILLIAM ST KEY WEST FL 330406846, KEY WEST, FL 33040-6846 |
| Document Number | 0029570707 |
|---|---|
| Date | Apr 4, 2019 |
| Book Page | 002957/000707 |
| Instrument | 2214068 |
| Name | FINANCE OF AMERICA REVERSE |
|---|---|
| Address | 8023 E 63RD PL # 700, TULSA, OK 74133-1240 |
| Amount | Amount on Record |
|---|---|
| Term | 852 Months |
| Due | Apr 3, 2090 |
| Rate Type | Fixed Rate |
|---|
Source: Monroe County assessment roll, as of December 8, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Monroe County |
| Municipality | Key West City |
| Unified School District | Monroe County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $577,177 | $1,706,601 Land $1,389,381 Building $317,220 | |
| 2024 | $4,716.00 (+1.81%) | ||
| 2023 | $4,632.00 (+3.6%) Senior Citizen's exemption | $544,574 (+3%) | $1,460,475 (+21.42%) Land $1,158,947 Building $301,528 |
| 2022 | $4,471.00 Homeowner's exemption | $528,713 | $1,202,849 Land $898,015 Building $304,834 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 328 William St in Zone X, an area of moderate flood risk, within 100 ft of a high-risk flood zone.
Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 202 individual policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 242 units insured incl. 40 condo units |
| Nearby Flood Claims | 400 (1978–2024) |
| Claims Outside the SFHA | 44 of 400 |
| Most Recent Claim | May 2024 · other causes |
| Claims by Event |
|
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
The area around 328 William St has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 922 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: Hotwire Communications.
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